WATERFORD AREA CHAMBER OF COMMERCE (EIN 391444679) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1986

Legal Domicile

Principal Officer

Tim Vandeville Jr

Phone

2625345911

Tax Period

2019-01-01 to 2019-12-31

WATERFORD AREA CHAMBER OF COMMERCE, founded in 1986, is a micro nonprofit that reported $100K in total revenue in fiscal year 2019. Revenue fell 64% from the prior year — a significant decline worth monitoring. Expenses of $96K left a modest 4% surplus.

Mission

SERVE THE BUSINESS COMMUNITY

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $90,769

Program Service Revenue $0

Investment Income $0

Other Revenue $9,133

TOTAL REVENUE $99,902

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,286

Fundraising Expenses $0

Other Expenses $79,691

TOTAL EXPENSES $95,977

Year-over-Year Comparison

	2019	2018	Change
Revenue	$99,902	$278,406	-0.6%
Expenses	$95,977	$282,789	-0.7%
Net Income	$3,925	$-4,383	-1.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

216

Independent Members

216

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tim Vandeville	President	5.00	Director	$0	$0	$0
Jay Noble	Vice President	5.00	Director	$0	$0	$0
Jonathan Baugher	Treasurer	5.00	Director	$0	$0	$0
Michael Clementi	Director	5.00	Officer	$0	$0	$0
Pam Lanting	Director	5.00	Officer	$0	$0	$0
Rae Ann Arrigoni	Director	5.00	Officer	$0	$0	$0
Suanne Riley	Director	5.00	Officer	$0	$0	$0
Chad Schmidt	Director	5.00	Highest	$0	$0	$0
Aaron Voss	Director	5.00		$0	$0	$0
Dawn Jurgensen	Director	5.00		$0	$0	$0
Dawn Brummel	Executive Director	5.00	Key Emp	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2019	$99,902	$95,977	$44,933	$3,925
2018	$278,406	$282,789	$33,554	$-4,383

WATERFORD AREA CHAMBER OF COMMERCE